Payment method and device

Abstract

The invention relates to a payment method and device, and belongs to the technical field of payment, and the method comprises the steps: an account institution receives order information sent by a user side, generates a transaction order, and forwards the transaction order to an acquirer through a clearing institution; the acquirer confirms the order information, generates a payment confirmation result, and forwards the payment confirmation result to the account institution through the clearing institution; the account institution receives the payment confirmation result, processes the payment confirmation result to generate a payment result, deducts the funds of the user side, and forwards the payment result to the acquirer through the clearing institution; the payment result is processed by an acquirer freezing system to generate a frozen payment result, the frozen payment result is sent to a payee terminal, the frozen payment result is displayed on the payee terminal, and meanwhile, the acquirer sends the frozen payment result to a clearing institution; and the clearing institution forwards the frozen payment result to the user terminal through the account institution, and the frozen payment result is displayed on the user terminal, so that the transaction risk is reduced, and transaction disputes and fraud phenomena are reduced.

Description

technical field [0001] The present application relates to the field of payment technology, and in particular, to a payment method and device. Background technique [0002] At present, payment methods are mainly divided into two categories: traditional payment and electronic payment. Payment is an important part of the transaction process, especially for cross-border transactions. There is always a relatively passive party. Effective restraint and supervision, transaction disputes and fraud are widespread. Among them, freezing and unfreezing funds is one of the risk prevention measures for transaction payment. However, at present, the decision and execution power of freezing and unfreezing funds rests with banks. In most cases, banks make funds when they find problems with funds Freezing, this model is lagging behind in the protection of transaction funds security, there are hidden risks in transaction funds security, it is difficult to establish transaction mutual trust, re...

AI Technical Summary

Problems solved by technology

[0002] At present, payment methods are mainly divided into two categories: traditional payment and electronic payment. Payment is an important part of the transaction process, especially in cross-face transactions. There is always a relatively passive party. Effective restraint and supervision, transaction disputes and fraud are widespread

Among them, freezing funds and unfreezing funds is one of the measures to prevent transaction payment risks, but at present, the decision and execution power of freezing funds and unfreezing funds rests with the bank. Freezing, this model is lagging behind in the guarantee of the security of transaction funds, there are potential risks in the security of transaction funds, it is difficult to establish mutual trust in transactions, and transaction disputes and fraud occur from time to time

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